Overdraft Fees

WHAT IS AN OVERDRAFT FEE?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

• We have standard overdrafts practices that come with your account.
• We also offer overdraft protection plans, such as a link to another account, which may be less expensive than our standard practices. To learn more, ask us about these plans.

WHAT ARE THE STANDARD OVERDRAFT PRACTICES THAT COME WITH MY ACCOUNT?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

WHAT FEES WILL BE CHARGED IF PNCU PAYS MY OVERDRAFT?

Under our standard overdraft practices:

• We will charge you a fee up to $33.00 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

WHAT IF I WANT PNCU TO AUTHORIZE AND PAY OVERDRAFTS ON MY ATM AND EVERYDAY DEBIT CARD TRANSACTIONS?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (866) 592-7628 or complete the form below and present it at a branch or mail it to: Operations Department, PO Box 327;
Chicopee, MA 01021.

􀀁 I want Polish National Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.

Printed Name: ____________________________________________________
Signature: ________________________________________________________
Date: ___________________________________________________________
Account Number(s): _________________________________________________
_______________________________________________________________